ZIP 12045 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12045 (Albany County, New York) returns a low composite of 26/100. Structural risk reads 59/100 against active distress of 0/100. The pressure is most legible in construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) register low. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The expansion-phase market in 12045 posted values that rose 6.6% over the year, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 41.0%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 15/100. Educational attainment sits at 51% bachelor's-or-above. The ZIP holds roughly 173 housing units. Households earn a median $116,827 — above the roughly $78,000 national figure. Around 0% of renters are cost-burdened. Owners hold 84% of homes, renters 16%. The poverty rate is 0.4% — low. Population is roughly 237 with a median age of 54.

On the whole, 12045 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12045 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 12045's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 12045 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

12045's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12045 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.